the Newport cop (officer Darling) i talk to told me they thought you need insurance for our bikes. i cited the only mention of it in the dmv code, whichis just a disclaimer that a dealer needs to give to a customer, which basically says "your insurance company may not insure this bike..."
i ran into him a little while later and he told me he looked all over the website and found nothing stating we need insurance, so he told me we don't, and if anyone gets a ticket for it to fight it. he also said he'd inform other officers, but i doubt they'll fix the wording on their "cheat sheets." printing costs money.
here's a copy of it:
the vehicle code cited for insurance is the standard one based on cars and motorcycles, and makes no mention of motorized bicycles.